“Frugality includes all the other virtues.” – Cicero

“Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” – Franklin D. Roosevelt

“Wealth is the ability to fully experience life.” – Henry David Thoreau

“Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

“Never spend your money before you have it.” – Thomas Jefferson